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HomeMy WebLinkAboutThe Huron Expositor, 1989-04-05, Page 44A — THE HURON EXPOSITOR, APRIL 5, 1989 11 ° /� 8 ANNUAL G.I.C. An Deposit. !mood Within Limn. Rote. Subject 10 Ver,lco,lon 2 YEAR HI, 5 YEAR 11 ? 5 YEAR 11,V 90 • 119 COMP �G ANNUAL r L Ritmorr DAYS opn0'` L •e. Nem 'ssewnrinv,RYntoat`Pro55591$ ...70ampaopieyogildsK 770171 SEAVORT1.1 Se Mein St., 527 4810 Serving Ontario since 1976 with 15 locations for your convenience MITCHELL - DUBLIN - SEAFORTH LIONS T.V. AUCTION has been EXTENDED ONE MORE DAY! The phones quit working, last Saturday, April 1, before all auction items were sold. L -R: Rithard Eickmeyer - Mitcheii Lions, Shayne Ward of Wards'Farrn Equipment, Mery Shewan - ®aohinn Lions & owner of Merv's Patios, Marione Vincent - Seaforth Lions & owner of Vincent Farm Equipment and Brian Naohn - Seaforth Lions. *Over 60 items left to be auctioned. *Bids received last Saturday, April 1 will be honored. *We apologize for the inconvenience AUCTION PHONE NUMBERS: 345-2873, 345-2060 or 345-2222 Experience counts in car insurance This is the third article in a series review- ing Ontario's new car insurance system go- ing into effect this year. The driving records of the people who use your car - including their accidents, convic- tions and years behind the wheel - will be important factors in deciding how much you pay for coverage under the new Ontario car insurance scheme. Designed and regulated by the new On- tario Automobile Insurance Board, a government agency, the program spells out various rate levels insurance companies must charge motorists, including sur- charges for recent accident claims and driv- ing convictions. The plan, going into effect by June 1, eliminates drivers' age and sex as criteria for setting premiums. Besides driving records, the new system decides insurance prices according to vehicle type, geographical territory, vehicle use and an- nual distance driven. Car insurance expert Lea Alger explains that the new system looks back a basic six years in considering driving records. "A vehicle's drivers are classified in a series of rate categories according to their years of experience and whether or not they have had formal training," says Ms. Alger, manager, insurance services with In- surance Bureau of Canada. The basic experience classes .are: under one year licensed; one year, up to and in- cluding three years; over three years, up to and including six years; and over six years. More experienced drivers are considered lower risks and generally pay lower premiums. Completion of driver training courses also results in lower rates within each experience group. The experience rules apply to principal and secondary drivers of the insured vehi- cle. Ms. Alger notes that the new plan eliminates the former "occasional driver" classificiation - typically applied to drivers under age 25, who statistically have more accidents. Now such drivers are considered secon- dary users. Where. several secondary drivers. might use a car, the least experienc- ed - considered the highest accident risk - will be the designated secondary driver and a suitable surcharge added to the premium. Surcharges can also be added for car in- surance claims and for driving convictions recorded over the previous six years. These will be in set dollar amounts, rather than the percentage surcharges used in the former insurance system. Ms. Algar explains accident claim sur- charges apply only for accidents in which the insured driver was responsible. "They're calculated using a matrix that takes into account the number of claims paid and how long ago they happened. For example, one claim a year ago can result in a surcharge, but four claims more than six WE APOLOGIZE At the Lions TV Auction on Sat., April 1st, Item #361, a fluorescent light fixture donated by McNaught Electric in Mitchell was damaged by Lions members during the auction. It was men- tioned on the air this item had a cracked lens. At no time did we mean to imply McNaught Electric had donated damaged goods. The cracked lens is being replaced and will be for sale complete on Satur- day, April 6. We are sorry for any inconvenience to McNaught Electric. Plan to attend our efa Crop Care FRIDAY, APRIL 7/89 This is your opportunity to meet the folks at any one of our 6 locations. We're Also Having CHICK DAY Introducing Our Spring Chick Day ONTARIO CAR INSURANCE AND DRIVERS' RECORDS QUALITY DRIVING SCHOOL DRIVER TRAINING YEARS LICENSED CONVICTIONS POLICE REPORT J DOE SPEEDING 127 K PH years ago do not count." The new plan also provides for "forgiveness" of one calaim per vehicle of up to $700 during the policy period. "That means you can make one $700 claim without a surcharge. But if the claim is for more, a surcharge ranging up to $1,700 will be added when the policy is'renewed'." Accident records usually follow individual drivers, to be counted as risk factors when insuring the cars they drive. But if your car has an accident while being driven by an out-of-town visitor who isn't likely to drive it again, the resulting claim record counts against your vehicle. Under the car insurance plan, driving con- victions are surcharged by three levels of severity. Al h„ lowest level, called "minor" offences, are such infractions as speeding, making an improper turn, failing to stop for a stop sign and not using a seat belt. The next level covers "major" offences, including such charges as failing to stop for a school bus, careless driving, failure to 'report an accident and driving while under suspension or without insurance. The worst offences are labelled "serious" and include impaired driving, failure to pro- vide 'a breath sample, dangerous driving and racing on public roads. Surcharges are calculated according to a graduated scale that measures the number and severity of driving convictions over the past six years. For example, a recent serious conviction adds $115 to the cost of collision coverage, $35 to the accident benefits premium and $320 to third -party liability coverage. "A driver is allowed two free minor con- victions in any three-year period without facing a surcharge," Ms. Alger notes. "But if those two minor offences are combined with one serious conviction, all three are surcharged." She notes that the surcharging system is intended to make the relatively few drivers who are most likely to cause accidents - and insurance claims - pay premiums that reflect that risk. "Between 80 and 85 per cent of Ontario drivers are 'conviction -free at any given time, and the great majority of convictions recorded are for exceeding speed limits. So it's likely the conviction surcharges will af- fect relatively few motorists." Next: Seeking ways to check the rising costs of car insurance. Alternative housig concept should not be tied to uronview BY BILL HENRY Alternative housing, a new concept which groups seniors in apartment -like complexes which provide 24-hour nursing, collective meals and other services would be welcome in Huron County, says Warden Dave Johnston. But the vague new concept should not be tied to Huron's current Huronview reconstruction plans, he said. "When you look at what is meant by alter- native housing, I don't think you could find a better facility -type arrangement. That's . what people want," Johnston said Monday. Among frail and elderly services residents could expect would be 24-hour nur- sing, some electronic monitoring, meal preparation and a shared dining area, and supervision of medication. The concept is described as a bridge for people who can no longer safely live on their own, but who don't quite need extended care at Huronview. "I just hope (the provincial government) doesn't say, look, if you don't provide alter- native housing, we will not provide funding for you to meet the extended care bed re- quirement in the county." "If one must go with the other, that's not, in my opinion, the proper way to do it." County council last week voted 14-12 not to investigate alternative housing needs in Huron, at least not right away. Council re- jected a Huronview committee request af- firming the reconstruction project but ask- ing council to consider alternative housing. Instead, council stuck to its original plan to rebuild Huronview as three, separate cen- tres. The $14 million proposal, which would be split 50/50 between the county and the province, calls for a 100 -bed facility in Clin- ton, and two .60 -bed units, one in the north and one in the south within about eight years. Huron has waited since last summer for provincial approval, but learned last month that Mnnstry of Community and Social Ser- vices officials want alternative housing to be "at least looked at." Ministry spokesman Linda Girard also told council that a residence in the south would not likely be approved, since the pro- vince funds the charitable Bluewater Rest Home in Zurich. Johston said Huronview has bad years of study and the current proposal results from a seniors facility study committee which had ministry representation, and which sought extensive public input at the ministry's request. "We've studied this thing to death. The county has put their money where their mouth is," Johnston said. "We've said okay, we're prepared to build it, province of On- tario, you agreed with us a year ago. Let's get on with it." He also said the provincial request, despite Girard's denial •that it means another extensive study, does call for "ex- actly that." Another study, he said, would mean consulting fees, architect's fees and another long delay for Huronview residents, their families and staff. "It's the timing that concerns me more than anything. What everyone seems to want to forget about is what about the residents who've been sitting in Huronview wondering what's happening to them?" Tuckersmith to purchase FINAL ORDER DATE // APRIL 7(99 / Whlle m FOR 7P5/09P YAC 9199 Brown Leyere,� •SEf:ON4 Turkeys, Ducks ORDER DATE and Geese 87 MAY 5(89 Mao evelle810 / FOR PICKUP JUNE 2/99 At a special meeting Monday night, Seaforth Town Council agreed to purchase the clay needed to cover the Seaforth- Tuckersmith Landfill site, from the Township of Tuckersmith. The expected cost of tipurchase is $'.2,000 with Seaforth paying . riper cent of ,.hat amount, and Tuckersmith the re- mainder. Seaforth will pay for the clay and Tuckersmith will pay for all the loading. Originally there had been a $4,150 cap on the clay, but the cap has been removed, and Seaforth has said it will guarantee suf- ficient trucks to haul the clay away. Town clay In other business Seaforth council gave Clerk -Administrator Jim Crocker permis- sion to apply for an interim internship grant, which would be used to offset the cost of hiring a Commercial -Economic Coordinator, to be shared jointly between the Town and its Business Improvement Area. The internship grant would provide ' $17,000 over two years. In the same vein, Seaforth Town Council gave Mr. Crocker , and Mayor Hazel Hildebrand permission to request funding for the same program from the Huron County Planning and Development Committee. 4111 Order Your Chicks Now! NENDALL CEMMUA NRIATON WALTON *0000200 ATWOOD (019(224410 (619)22e.4.1 (n.u.aewA (nn.i,.,.a (.10)1.63.0, (E1.FTOe,]., KEEPING CROPS PROFrE4BLE I Division of Parrish 6t H Limited Phone lines go down on Lions The annual Mitchell-Dublin-Seaforth Lions TV Auction, held last Saturday, ran into a few technical problems with Ma Bell late in their broadcast, causing postponement of the final hour or so of bidding. The auction, held at the new Mitchell Cable TV office in Dublin, was almost finished for another year when the telephone lines, three of them, went out of service, leaving all potential bidders frustrated and unable to call In. The phone lines have been fixed, and the auction will continue where it left off this Saturday at 12 noon on ehannel 12. Just 60 items were left when the lines went out, Chairman Brian Nuhn said Monday, so just an hour's worth of auctioning is left to do. All existing bids will be honored, Nuhn added. "Things were going excellently," he said. "We are well on our wary to our most successful auction ever.'